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Mayor's Office of Housing and Community Development (MOHCD) Dream Keeper Downpayment Assistance Loan Program (DK-DALP)

Mayor's Office of Housing and Community Development (MOHCD) Dream Keeper Downpayment Assistance Loan Program (DK-DALP) is a deferred second loan for homebuyers in San Francisco, California.

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The program asks for

  • The home is occupied as a primary residence
  • On credit: FICO score greater than 700
  • A completed homebuyer education course, through HUD-approved housing counseling required
  • Sourced from Homebuyer Wallet (CA250075). Targeted to BIPOC communities harmed by SF's history of housing discrimination. Verify with provider before lender use.
  • A home inside San Francisco city limits

It doesn’t cover

  • Households above $371,400
  • Homes outside San Francisco

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

Income limit

$371,400 household income limit, as the program publishes it

The program states this limit itself. Its official site says how household size changes it.

Income limits in California

Where it applies

San Francisco’s homes

  • 18% single-family
  • 12.4% townhouse
  • 20.1% 2–4 units
  • 49.2% 5+ units
  • 0.2% mobile & other

A tick marks a kind of home the program’s record lists. The agency confirms it for the home you choose.

$1.4M

San Francisco median home value

76.5%

built before 1980

U.S. Census Bureau, ACS 2024 5-year. More about buying in San Francisco

How to apply

  1. Take a homebuyer education course

    Required by the program, through HUD-approved housing counseling required.

  2. Contact the administering agency to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.

Free course · 10 minMayor's Office of Housing and Community Development (MOHCD) Dream Keeper Downpayment Assistance Loan Program (DK-DALP), explained

Questions about this program

What is Mayor's Office of Housing and Community Development (MOHCD) Dream Keeper Downpayment Assistance Loan Program (DK-DALP)?

Mayor's Office of Housing and Community Development (MOHCD) Dream Keeper Downpayment Assistance Loan Program (DK-DALP) is a deferred second loan for homebuyers in San Francisco, California. Up to $500,000 deferred loan for downpayment assistance to support wealth-building for Black, Indigenous, and people of color (BIPOC) communities harmed by SF's history of housing discrimination.

Do you have to pay it back?

Mayor's Office of Housing and Community Development (MOHCD) Dream Keeper Downpayment Assistance Loan Program (DK-DALP) is deferred, so no payments are due until the home is sold, refinanced, or the first mortgage is paid off. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Mayor's Office of Housing and Community Development (MOHCD) Dream Keeper Downpayment Assistance Loan Program (DK-DALP) is open to homebuyers who will live in the home as their primary residence. On credit, the program states: FICO score greater than 700. A homebuyer education course is required, through HUD-approved housing counseling required. Sourced from Homebuyer Wallet (CA250075). Targeted to BIPOC communities harmed by SF's history of housing discrimination. Verify with provider before lender use.

What are the income limits?

Mayor's Office of Housing and Community Development (MOHCD) Dream Keeper Downpayment Assistance Loan Program (DK-DALP) limits household income to $371,400. The limit applies to total household income, not only the borrower’s. Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Mayor's Office of Housing and Community Development (MOHCD) Dream Keeper Downpayment Assistance Loan Program (DK-DALP) can be used for Single-family, Condo, Townhouse.

Where does it apply?

Mayor's Office of Housing and Community Development (MOHCD) Dream Keeper Downpayment Assistance Loan Program (DK-DALP) serves homebuyers purchasing in San Francisco, California.

How do you apply?

Applications for Mayor's Office of Housing and Community Development (MOHCD) Dream Keeper Downpayment Assistance Loan Program (DK-DALP) go through the administering agency, which publishes the current terms and the application steps on its own site. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.

Also for San Francisco homebuyers

Whether two programs can be combined is up to each agency. Ask before you apply.

All 128 programs for San Francisco

Program terms are set by the administering agency and can change; confirm on the official site before you apply.